Real Growth Powered by Our Platform
Aggregated data across institutions running on the Abi SACCO system — anonymised.
Member Growth
Loan Portfolio
Savings Volume
Everything Your SACCO Needs
Built from the ground up for Kenyan SACCOs, microfinance institutions, and investment groups.
Member Management
Comprehensive member lifecycle from onboarding to exit — with full KYC compliance and family linkage.
- Member registration with photo & ID upload
- KYC document management & verification
- Next-of-kin & beneficiary records
- Membership suspension, reinstatement & exit
- Member self-service portal & mobile app
- Bulk member import via Excel
Savings & Share Capital
Full management of all savings products — from monthly contributions to fixed deposits and share capital.
- FOSA (Front Office Service Activity) accounts
- Share capital tracking & updates
- Fixed & recurring deposit accounts
- Savings interest computation & crediting
- Withdrawal processing with limits
- M-Pesa deposit & withdrawal integration
Loan Management
End-to-end loan lifecycle from application through to full settlement — with automated recovery follow-up.
- Multiple loan product types & policies
- Loan appraisal with exposure checks
- Guarantor assignment & management
- Disbursement via M-Pesa or bank
- Repayment scheduling (reducing / flat rate)
- Arrears tracking & penalty computation
Dividends & Rebates
Automated end-of-year dividend computation and distribution — fair, transparent, and fully auditable.
- Share capital dividend computation
- Interest rebate on loans (per SACCO Act)
- Interest on deposits computation
- Withholding tax (WHT) deduction
- Dividend payment via M-Pesa or transfer
- Dividend statements for each member
Financial Reports & Compliance
Regulatory-ready reports for SASRA, auditors, and your board — generated at the click of a button.
- Trial balance, P&L, balance sheet
- SASRA regulatory returns
- Loan ageing & delinquency reports
- Savings & deposits summary
- Member statements (PDF / email)
- Full audit trail with user logs
M-Pesa & Digital Payments
Native Safaricom Daraja integration — members pay contributions, repay loans, and receive disbursements via M-Pesa.
- C2B Paybill — member contributions
- STK Push — loan repayment prompts
- B2C — disbursements to members
- Auto-reconciliation of all transactions
- USSD self-service (*XXX# access)
- Bank transfer & cheque integration
Built for Every Financial Cooperative
From 20-member chamas to regulated deposit-taking SACCOs with thousands of members.
Investment Groups / Chamas
Contribution tracking, loans between members, dividend sharing, M-Pesa integration, and member statements.
Non-Deposit SACCOs
Full loan management, savings products, guarantor system, SMS alerts, and SASRA non-DT compliance reports.
Deposit-Taking SACCOs (DTS)
SASRA DT-compliant system with FOSA accounts, regulatory returns, multi-branch, auditor access, and full treasury.
Microfinance Institutions
Custom loan products, group lending, field officer app, GPS check-in, collections management, and donor reporting.
Welfare & Credit Unions
Welfare fund management, funeral covers, hospital benefits, contribution tracking, and benefit claims processing.
Teachers / Staff SACCOs
Payroll deduction integration, salary advances, check-off loans, and direct bank reconciliation.
Regulatory Compliance
Our system is built around Kenya's SACCO Societies Regulatory Authority (SASRA) requirements and the SACCO Societies Act Cap 490B.
Integrations & Technology
Our platform connects to the financial services ecosystem your institution already uses.
From Contract to Go-Live in 30 Days
A structured, transparent rollout — you always know what's happening and when.
Discovery & Scoping
3–5 daysWe meet your team, understand your operations, loan products, savings types, and reporting needs. Requirements sign-off before we write a line of code.
Configuration & Setup
7–10 daysSystem is configured for your specific loan products, savings accounts, fee structures, and report templates. Data migration from existing systems.
Training
3–5 daysRole-specific training for managers, tellers, loan officers, and auditors. Online training videos and user manual provided.
Go-Live & Support
Day 3030-day live monitored launch with our team on standby. Post-launch support, upgrades, and feature additions included in the annual maintenance plan.